Insurance Plans

Here you can see brief information on three categories of insurance, life, critical illness, and disability insurance.

Plans available:

  • Term 10, Term 20, Term 65, and Term 100.
  • Universal Life and Participating Whole Life Insurance.
  • Senior's Life Insurance.
  • High Risk Insurance Plans.

How it works?

  • Term 10, Term 20, Term 65 and Permanent Plans Available.
  • Receive a lump sum payments if you become critically ill/ injured.
  • Return of Premium plans available.

How it works?

  • Guarantees income in the event of disability.
  • Short Term and Long Term Plans available.
  • Additional Benefits and Riders Available (ie. Rehabilitation, Own Occupation, Return of Premium, etc...)


Kulla To is a very selective brand when it comes to whom we partner with. Fortunately, over the years we have developed great relationships with the best Investment and Insurance Companies nationally to help us serve your needs!

Insurance Quote

Use our form and we will create a tailored plan for you.

Get Your Life Insurance Quotes Today

Critical Illness Insurance Quote



Disability Insurance Quote



About us


what we offer to you

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    We have a large processing staff to guarantee optimized client support and response time.

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    When meeting, our clients enjoy the flexibility to choose whether it be our office, their office, coffee shop, or the comfort of their own home.

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    We always emphasize on the educational approach in Insurance and Investment Planning to keep our clients in the driver seat.

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Our staff uses the latest software and tools to monitor and care for our clients, which makes service easy and consistent.


We work with over 50 Insurance and Investment Companies. What this means for you is that we take your needs to the market, and find the best companies that will give the highest value in terms of products and services for you and your family.

We are able to do this for virtually anyone, from young to old, healthy to sick to provide the best plan for you.


We provide products and solutions that are the most customizable in the industry. We build every plan to fit your family’s exact need, whether it be Whole Life Insurance, Term Life Insurance, Disability Insurance, Health, Drug, and Dental Plans, or Investments.


At Kulla To Financial we have a 3 step process to have the highest probability of success for all our clients.


We will run calculations and customize the best plan for you.


See exactly what to do to reach your goals.


Take action and regularly review the plan. Make changes as you need to have the highest success rate.

Excellent advice and great guy to talk investments with, you wont be disappointed!!

Stef Cust

Dean is intelligent, educated and so personable! Working with him has been the best decision and we wouldn’t be where we are today without him. He’s truly someone to trust and I highly recommend his service!

Marina Chianello Dowswell

I have nothing but good things to say in regards to Dean as he has been attentive with everything that my husband and I have needed. He is always thinking about the best solution for things that we were looking for in the future and now has made that a possibility. Most financial advisers are looking for the amount of clients that they can get where as he is about quality in his work and takes the time to really get to know you and is looking out for your best interest at heart.

Micaela Monique Diane-Pryce Tomlinson-Richard

Special offer!

If you get an insurance review with one of our licensed advisors get entered into our monthly giveaway.

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